Financial Aid

The Office of Student Financial Aid administers several federal, state, and institutional financial aid programs available to graduate students at UNC Charlotte who complete a Free Application for Federal Student Aid (FAFSA). The FAFSA helps US Citizens and eligible non-citizens gain access to gift aid (repayment not required) such as grants, or self-help aid (direct repayment or service required), like loans and Federal Work Study awards. For assistance with the FAFSA, or your financial aid search, please visit the Office of Student Financial Aid in Reese 122, or visit their website at

Applying for Federal and State Aid

The FAFSA can be completed from the Office of Student Financial Aid website, or directly at The federal school code for UNC Charlotte is 002975.


The Office of Student Financial Aid must receive your completed FAFSA by March 1 for grant assistance consideration for the following academic year, although the FAFSA may be submitted as early as October 1st for the following year. For loan assistance, there is no deadline, provided that the FAFSA is received by the Financial Aid Office to allow sufficient processing time prior to the end of the academic year (usually three to four weeks).

Grant Assistance

The Tuition Assistance Grant administered by the Financial Aid Office is available to graduate students. It provides up to $2,000 in grant assistance to students demonstrating financial need regardless of state residency. Eligible students are awarded these grants until funds are exhausted. For more information, please visit the Office of Student Financial Aid.

Forgivable Education Loans for Service (FELS)

The Forgivable Education Leans for Service Program was established by the North Carolina Assembly to provide assistance to qualified students who are committed to working in North Carolina in designated critical employment shortage professions.  For information on deadlines, eligibility, value, and application procedure, please visit the CFNC website


To apply and be matched to UNC Charlotte scholarship opportunities students should log into UNC Charlotte’s on-line scholarship application portal, NinerScholars.  To access NinerScholars and other scholarship information/resources please visit the University Scholarship Office website.

Loan Assistance

Graduate students may borrow up to the Cost of Attendance annually from the Federal Direct Stafford Loan Program. Only Unsubsidized Stafford loans are available to graduate students. "Unsubsidized" means that interest will begin to accrue on the loan once it is disbursed to the student's account. Students have the option of either paying the interest while enrolled in school at least half-time (5+ hours for graduate students) or having the interest added to the loan principal. Loan repayment begins nine months after the student graduates or ceases to be enrolled at least half-time.

In addition to Stafford Loans, graduate students may borrow funds through the Federal Graduate PLUS loan program. Each student's maximum loan amount (combining all loan sources) is limited to the student's total Cost of Attendance minus any other aid received. More detailed information on the Cost of Attendance can be found on the Office of Student Financial Aid website.

Private Loans

Loans are also available for domestic and international students through private lenders. Please visit the Financial Aid website to view UNC Charlotte's Preferred Lender List selection.

Educate Yourself at GradSense

GradSense provides information on student debt, cost of living, estimated expenses, how to pay for graduate school, FAFSA, how to pay off student loans, educational tax benefits, financial portfolios, budget calculator, developing your resume, understanding your credit score, money management, and international student resources.